Your Employee Benefits
If you don't enroll in time, you can't enroll again until the next open enrollment unless you have a qualifying life event. New hires: enroll at least 2 weeks before your benefits start.
Benefits available to eligible employees
Phoenix Payroll Solutions provides a comprehensive benefits program that's a valuable part of your total compensation. Please take time to review your options, including what is and isn't covered.
Medical Insurance
Our MEC medical plan covers preventive care at 100%, with two levels to choose from: MEC Plus and Super MEC. You can also buy coverage for your dependents through the company’s group plan.
Dental Insurance
Voluntary Dental Insurance is offered at Phoenix Payroll Solutions. You can buy coverage for you and your dependents through the company’s group plan.
Vision Insurance
Vision coverage is available on a voluntary basis. Dependents can be added through the company’s group plan and paid for by you.
Disability Insurance
Short-Term and Long-Term Disability are available to help replace your income if a sickness or an accident keeps you from working. Check your Employee Navigator portal for pricing.
Supplemental Benefits
Voluntary term life, accident, critical illness and hospital indemnity insurance, paid through payroll deduction. Up to $250,000 of life insurance with no health questions, this open enrollment only.
Phoenix Payroll Solutions has teamed with Your Benefits Team at Phoenix Payroll to help with your benefits questions and handle benefits administration. Work with your Benefits Counselor during enrollment to choose the options that fit you and your family, and anytime during the year to use your benefits to their fullest.
Who is eligible
You must enroll yourself to enroll your dependents. Eligible dependents are your legally married spouse, domestic partner, and children up to age 26, regardless of student status. New hires must complete enrollment at least 2 weeks before their benefits effective date. Email helpdesk@yourbenefits.team to confirm your new hire effective date.
Which children count as dependents?
Your child, or your legally married spouse's or domestic partner's child, up to age 26:
- Natural child, stepchild, legally adopted child, or child placed for adoption
- Child whose legal guardianship has been awarded to you or your legally married spouse
- Children ordered to be covered through a qualified medical support order
- Disabled child over age 26 who depends on you
Changing your benefits during the year
Once you elect coverage, you can't change or drop it until the next open enrollment unless you have a qualifying life event. Tell your benefits team within 30 days of the event. Requests after 30 days can't be accepted. Qualifying life events include:
- Marriage, divorce, or legal separation
- Birth or adoption of an eligible child
- Death of your spouse or a covered child
- A change in your spouse's work status that affects their benefits
- A change in your child's eligibility for benefits
- A Qualified Medical Child Support Order
- Your spouse losing or gaining coverage
See the full list at healthcare.gov.
Medical plans through Lucent Health
Our medical program offers two MEC (minimum essential coverage) levels through Lucent Health: MEC Plus and Super MEC. Both cover preventive care at 100% and include doctor visits and a drug benefit; Super MEC adds fixed benefits for hospital stays, accidents and critical illness, plus an EAP. These plans provide limited benefits and are not major medical coverage. Prices shown are the full premium.
Compare plans side by side
Swipe sideways to see every plan.
Change the pay period at the top to see your cost per paycheck. Check your Employee Navigator portal to confirm your cost.
Dental and vision insurance
Use in-network providers to keep your out-of-pocket costs down.
Dental · Principal Low
Voluntary dental PPO · We will offer Principal for our group dental plan.
In-network · * See plan summary.
Change the pay period at the top to see your cost per paycheck. Check your Employee Navigator portal to confirm your cost.
Plan summary (PDF) · En españolDental · Principal High
Voluntary dental PPO · Adds a higher annual maximum, richer basic and major coverage, and orthodontia for children. Unused maximum can roll over to next year.
In-network · * See plan summary.
Change the pay period at the top to see your cost per paycheck. Check your Employee Navigator portal to confirm your cost.
Plan summary (PDF) · En españolVision · Principal
Principal Vision · VSP Choice network · We will also use Principal for our group vision plan.
Change the pay period at the top to see your cost per paycheck. Check your Employee Navigator portal to confirm your cost.
Plan summary (PDF) · En españolDisability insurance
Phoenix Payroll Solutions offers Short-Term and Long-Term Disability through Principal. Disability insurance replaces part of your income if a covered sickness or accident keeps you from working.
Short Term Disability
Plan summary · Español- Pays 60% of base pay, up to $1,000 a week, from day 15 for up to 24 weeks
- Income protection during a temporary illness or injury
- Covers a portion of your salary so you can focus on recovery
- Bridges the gap until you return to work or move to long-term disability
Long Term Disability
Plan summary · Español- Pays 60% of base pay, up to $6,000 a month, after 180 days, to age 65
- Financial security during a prolonged illness or injury
- Covers a percentage of income, protecting against long-term wage loss
- Helps you plan ahead with confidence in your income
Optional coverage you can add
Phoenix Payroll Solutions offers optional coverage for you and your family through Principal. You pay 100% of these premiums through payroll deduction, at group prices that are usually lower than buying on your own. Accident, critical illness and hospital indemnity each pay a $50 wellness benefit once a year to each covered person who has a covered screening test.
Life insurance
Plan summary · EspañolCoverage you tailor to your needs. Voluntary term life covers a set period, with lower premiums and no cash value.
With Principal: Employees up to $600,000, spouses up to $250,000, children $5,000 or $10,000. AD&D included.
Enroll by November 23, 2026 to get up to $250,000 for yourself and $50,000 for your spouse with no health questions (under age 70; $10,000 at age 70 and over), plus $5,000 or $10,000 for your children.
If you wait, each future open enrollment lets you add only $20,000 (spouse $10,000) without health questions. Any amount above that requires Evidence of Insurability (EOI) health questions and Principal’s approval.
Accident insurance
Plan summary · EspañolHelps with unexpected medical costs after a covered accidental injury.
With Principal: Pays on and off the job: fractures up to $10,000, dislocations up to $7,500, burns up to $5,000. No proof of good health required. From $10.84 a month for employee only ($5.00 biweekly).
Critical illness insurance
Plan summary · EspañolPays a lump sum you can use for direct and indirect costs of a covered critical illness.
With Principal: A lump sum of $5,000 to $45,000 on diagnosis; spouse 50%; children covered automatically at no cost, at 25% of your amount. $1.282 per $1,000 of benefit a month; a $5,000 benefit for you is $6.41 a month ($2.96 biweekly).
Hospital indemnity insurance
Plan summary · EspañolPays a lump sum for a covered hospital stay or outpatient surgery.
With Principal: $1,000 for the first day in hospital ($2,000 ICU), then $100 a day ($200 ICU), up to 30 days. Full maternity coverage. From $17.84 a month for employee only ($8.23 biweekly).
Your benefits and your cost
Here is how each benefit is deducted from your pay. Check your Employee Navigator portal during enrollment for your exact cost.
See an example
| Employee savings | Without POP | With POP |
|---|---|---|
| Annual income | $20,000 | $20,000 |
| Pre-tax benefit premiums | $0 | $2,000 |
| Taxable income (15%) | $20,000 | $18,000 |
| Estimated taxes | $3,000 | $2,700 |
| After-tax benefit premiums | $2,000 | $0 |
| Annual take-home pay | $15,000 | $15,300 |
Enroll in Employee Navigator
Enroll by November 23, 2026. You can log in to review your benefits 24/7.
PhoenixPRSTip: Google Chrome or Firefox work best.
One-on-one help, from real people
During open enrollment you can meet one-on-one with an experienced benefits counselor who'll walk you through your options, answer your questions and help you choose.
Sharon WalkerBenefits Counselor
Judy MitchellBenefits Counselor
Lindsay NelsonBenefits Coordinator
Erika JohnsonIntake Coordinator